Rights are best guarded when each person and group guards for others those rights they wish guarded for themselves.

I suppose it goes without saying that negative speaking so often flows from negative thinking about ourselves. We see our own faults, we speak--or at least think--critically of ourselves, and before long that is how we see everyone and everything. No sunshine, no roses, no promise of hope or happiness. Before long we and everybody around us are miserable.

After an encounter with the living Son of the living God, nothing is ever again to be as it was before.

I testify that no one of us is less treasured or cherished of God than another. I testify that He loves each of us—insecurities, anxieties, self-image, and all. He doesn’t measure our talents or our looks; He doesn’t measure our professions or our possessions. He cheers on every runner, calling out that the race is against sin, not against each other.

Faith is for the future. Faith builds on the past but never longs to stay there. Faith trusts that God has great things in store for each of us and that Christ truly is the “high priest of good things to come” (Hebrews 9:11).

How important are money management and finances in marriage and family affairs? Tremendously. The American Bar Association recently indicated that 89 percent of all divorces could be traced to quarrels and accusations over money. Another study estimated that 75 percent of all divorces result from clashes over finances. Some professional counselors indicated that four out of every five families wrestle with serious money problems.

Don't delay. It's getting late.